Best Nationally Available Reverse Tier Savings/MMA, 16 February 2026
Deposit Diary Daily #641
What‘s Happening?
Three accounts new to the Summary have been added:
Noble Credit Union
Reverse Money Market Account
5.00% ($100-$2.5k), 2.50% ($2.5k-$5k), 1.25% ($5k-$7.5k), 1.00% ($7.5k-$10k), 0.75% ($10k+)
$100 minimum opening deposit
Kinecta
High Yield Savings
5.00% (up to $500), 3.00% ($500-$50k), 2.75% ($50k-$100k), 0.05% ($100k+)
$25 minimum opening deposit
First Flight Credit Union
Prestige Money Market
4.07% ($10k-$50k), 1.51% ($50k+)
$10k minimum opening deposit
Highest-Rate Nationally Available Reverse Tier Accounts
Listed below are the nationally available Reverse Tier Accounts from banks and credit unions that offer an APY of 5.00% or higher, as of February 16, 2026.
Bayer Heritage Credit Union • High Yield Savings • 10.00% (up to $1k), 0.50% ($1k-$50k), 0.10% ($50k+)
Partner Colorado Credit Union • Power Savings • 5.50% (up to $1k), 1.05% ($1k-$2.5k), 0.50% ($2.5k-10k), 0.05% ($10k+)
Andrews Federal Credit Union • Online Savings Account • 5.50% (up to $1k), 0.05% ($1k+)
Sunward • Power Money Market • 5.04% (up to $2.5k), 3.04% ($2.5k-$5k), 2.04% ($5k-$10k), 1.04% ($10k-$15k), 0.44% ($15k-$25k), 0.14% ($25k+)
Noble Credit Union • Reverse Money Market Account • 5.00% ($100-$2.5k), 2.50% ($2.5k-$5k), 1.25% ($5k-$7.5k), 1.00% ($7.5k-$10k), 0.75% ($10k+)
Michigan State University Credit Union • Savings Builder • 5.00% (up to $1k), 3.62% ($1k-$2k), 0.98% ($2k+)
Kinecta • High Yield Savings • 5.00% (up to $500), 3.00% ($500-$50k), 2.75% ($50k-$100k), 0.05% ($100k+)
Blue Federal Credit Union • Accelerated Savings • 5.00% ($25-$1k), 1.00% ($1k-$5k), 0.50% ($5k-10k), 0.25% ($10k-$50k), 0.15% ($50k+)
CommunityAmerica Credit Union • High-Interest Savings • 5.00% (up to $2.5k), 0.03% ($1k+)
Securityplus Federal Credit Union • Money Marketplus Account • 5.00% (up to $2.5k), 1.50% ($2.5k-$50k), 1.00% ($50k-$500k), 0.50% ($500k+)
Fairwinds Credit Union • Emergency Savings • 5.00% (up to $1k), 0.10% ($1k+)
DCU • Primary Savings • 5.00% (up to $1k), 0.05% ($1k+)
Spreadsheet
The attached spreadsheet includes 30 nationally available Reverse Tier Savings and Money Market Accounts. The links go directly to each financial institution’s rate page or product landing page.
